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When you have water damage in your home or other insured building it is important to determine the source of the water. If the source of your water damage is from flood waters of any kind the damages may not be covered by your insurance unless you have a flood specific provision in your policy.

Most insured’s don’t realize that there is a difference between flood insurance Is Professional Tile Cleaning Worth the Price? East Syracuse NY 13057 and water damage insurance. Water damage is when you have a water intrusion in a structure from an inside source. Flood damage is when you have water damage occur from a water intrusion that comes from an outside of the structure source. For instance, a pipe breaks under your kitchen sink and floods your kitchen its water damage. If you have a heavy rain and it East Syracuse NY 13057 drains into your window well of your basement and floods your basement it is a flood as the water comes from an outside source.

Now a flood is not covered damage if your insurance policy excludes flood coverage. This is why it is so important for the source of the damage to be determined accurately.

Most policies exclude flood coverages because it usually costs significantly more to purchase. Is My Insurance Company Trying to Cheat Me? East Syracuse NY 13057 Flood waters are considered contaminated waters and can do damage that is a lot more expensive to fix than just regular water that comes from a kitchen pipe in your house. These types of flood waters have unknown contaminates in it that can be brought into your structure with the intrusion and therefore any affected areas will need to be treated as if they are contaminated. East Syracuse NY 13057 This means that more materials may need to be removed and replaced instead of just cleaned and this can raise the cost of the cleanup and restoration significantly.

It is very important as an owner to understand your coverage on your insurance policy. More often than not we find that policy holders do not even understand the basics on their policies. And if you live within 500 East Syracuse NY 13057 of a body of water your mortgage holder may actually require you to carry this more expensive insurance. Flood insurance can cost upwards of $5000 a year or more depending on the value of your home and proximity to the body of water.

So please talk with your insurance agent and know what your policy covers and doesn’t cover so if you do have water damage occur East Syracuse NY 13057 you will know that you are covered.

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